This is my opinion. It’s worth what you paid for it Everybody’s financial situation is different, what’s right for me isn’t necessarily right for you. I might even get something wrong at times. I do try and point to sources, but if you need UK financial advice then you should either

preferably take the time out to understand what you are doing and DYOR (do your own research)

or if you can’t be bothered then consider paying for an independent financial adviser on a fee basis.